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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Ramona Montgomery on March 15, 2015 at 12:51 pm

      I don’t normally answer calls with 800 numbers but I decided to and the man on the phone was from NRA Group, LLC. He said that I ordered some DVDs that were from a DVD club back in 2006. I don’t recall using one of those stupid DVD services and I told this to the man from NRA Group, LLC. NRA Group, LLC also said that I broke the contract with this DVD club. Now he said I need your address so you can dispute it. NRA Group, LLC then said just pay the $90 dollars and change and you’ll be clear of debt. He further coerced me by stating that he accepts debit, Visa, and Mastercard. I said thank you and hung up. Also, NRA Group, LLC has 171 complaints with the Better Business Bureau.

    2. Sergio R. on April 29, 2015 at 10:30 pm

      People talk about the Do Not Call Registry, but this does not apply to debt collectors. Bad advice. When I called NRA Group back in response to a voice mail, they wouldn’t get off my line. We needed to use the phone for an emergency in the middle of the call with NRA Group. NRA Group tied up my line for fifteen minutes with repeated call backs!

    3. Km on August 17, 2015 at 9:04 pm

      The representatives I spoke with today were both very rude and said there are two allegations against me with Manhattan Processing. I don’t know what the company is and the representative would only tell me its a payday loan type of company. I have never used a payday advance and this loan was supposedly taken out on 10-6-12. NRA gave me no way of telling how to contact the place I owe the debt to! How can I resolve this?

    4. Georgia M. on October 31, 2015 at 9:12 pm

      NRA Group LLC is reporting on my credit. Also NRA Group LLC is rude and harassing.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.